Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal International Journal of Multidisciplinary: Applied Business and Education Research
Ira Faye N. Apay
Cebu Institute of Technology University
Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Environmental Science Medicine & Pharmacology

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Determinants of Total Deposit Growth in Philippine Banking: A Statistical Study Across Banking Groups Jess Andes; Anne Lorraine L. Abanto; Edward Louie Y. Abejero; Ginesa C. Anticuando; Ira Faye N. Apay; Jella O. Bacatan; Marvin Ian E. Niere; Peter G. Narsico
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 6 (2026): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.07.06.21

Abstract

This paper analyzes the drivers of total deposit growth in the Philippine banking system for years 2014-2024. It considers the joint impact of macro-economic conditions and technology development across the major banking groups. The study utilized a descriptive-correlational design and secondary data were obtained from the Bangko Sentral ng Pilipinas and the Philippine Statistics Authority. The correlation analysis was performed to study the correlation between the macroeconomic and technological variables and the deposit growth. The results show that total deposits are still growing mainly driven by the Universal and Commercial Banks. GDP, GDP per capita, CPI and digital payment adoption are very strongly positively related to deposit growth while PPP is very strongly negatively related showing that nominal deposits grow when purchasing power falls. Of the variables that point to financial technology’s growing importance, digital payments have the highest correlation across banking groups. “There are differences between bank types. Larger banks are more sensitive to macroeconomic and technological factors. The findings show that economic performance and digital transformation have a significant relationship with the growth of deposits in the Philippine banking industry. Macro-economic stability is the structural basis for deposit mobilization. But the biggest innovation related to the growth of deposits of financial inclusion and expansion of deposits is digital innovation. The results suggest that policymakers and financial institutions could consider integrated approaches to improve economic fundamentals, while encouraging digital financial infrastructure to facilitate the development of the banking sector.
The Influence of Discounts on the Shopee E-Commerce Platform and Financial Discipline on Impulse Buying Behavior Peter G. Narsico; Ira Faye N. Apay; Hyacinth P. Belacho; Trisha Ann L. Lawas; Trisia Amor Pangan; Conielyn A. Ronato; Jubail Sebastian Villafor; Lalaine O. Narsico
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 8 (2026): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.07.08.17

Abstract

The current study examined the nexus between Shopee online discount strategies and impulsive buying behavior among university students, with financial discipline explored as a potential moderator. More prevalent are flash sales, vouchers and gamified promotions in online shopping platforms that can induce impulsive buying behavior, especially among young people. A quantitative descriptive-correlational design was used with a structured survey questionnaire to 456 university students in Cebu City. The questionnaire measured three constructs quantitatively; exposure to Shopee discount, tendency to buy impulsively and financial discipline. Hierarchical multiple regression was used to test the direct effects of Shopee discount exposure, financial discipline, and the interaction of the two on impulse buying behavior. The results indicated that exposure to online discount of Shopee significantly predicted impulsive buying tendency (B = 0.41, p<.001) with about 15% of variance. The final model, which included financial discipline, their interaction and online discount exposure from Shopee, explained about 20.6% of the variance. Discount exposure was still positively associated with impulsive buying tendency (B=0.45, p<.001) and financial discipline had a significant negative association (B=−0.33, p<.001). However, the interaction term between mean-centered discount exposure and financial discipline scores was not statistically significant (B = −0.05, *p* = 0.518). Thus, financial discipline was related to lower impulsive buying tendency in general, but it did not significantly moderate the relationship between the exposure to online discount on Shopee and impulsive buying tendency. Future research should examine other possible moderators and interventions to improve financial self-regulation.
Co-Authors Anne Lorraine L. Abanto Conielyn A. Ronato Edward Louie Y. Abejero Ginesa C. Anticuando Hyacinth P. Belacho Jella O. Bacatan Jess Andes Jubail Sebastian Villafor Lalaine O. Narsico Marvin Ian E. Niere Peter G. Narsico Trisha Ann L. Lawas Trisia Amor Pangan